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Calvin Oram
Solihull, United Kingdom
I'm Calvin Oram, one of the partner's of Oak Tree Mortgages. This blog is my regular take on the mortgage stories and issues that matter
Recent Activity
One of the largest mortgage lenders, Santander, has announced a 0.5% increase in their Standard Variable Rate. With the government seeking to lower the cost of mortgages through their Funding for Lending scheme, competition in the mortgage market has really kicked off. Now could be a great time to review your mortgage to save a few pounds. Continue reading
Posted Aug 24, 2012 at Oak Tree Mortgages Blog
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According to a recent survey, renting a property is now more expensive than ever. With more mortgage choices for those with a smaller deposit, is now a real opportunity to get on the property ladder? Continue reading
Posted May 20, 2011 at Oak Tree Mortgages Blog
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As the days get longer, spring heralds a sense of optimism and purpose for the year ahead. The constant negativity of the media has resulted in first time buyers and home movers believing they have limited choices. The reality of the mortgage market tells a different story. Continue reading
Posted Feb 18, 2011 at Oak Tree Mortgages Blog
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2010 was a year of hesitation in the property market not helped by the election and the emergency budget. How different could 2011 be? Continue reading
Posted Jan 18, 2011 at Oak Tree Mortgages Blog
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Mortgage lenders are being urged to "go back to basics". How have lenders adapted to the new market place and what does this mean for the customer? Continue reading
Posted Aug 26, 2010 at Oak Tree Mortgages Blog
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In the face of the planned austerity measures, few households can afford not to look at their finances. For many borrowers now enjoying a low standard variable rate, reviewing your mortgage now may help you to weather the national belt tightening that's just round the corner. Continue reading
Posted Aug 20, 2010 at Oak Tree Mortgages Blog
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Critical Illness cover was invented in 1983, the same year as the mobile phone. Just like the chunky phone of the 1980's, Critical Illness Cover has evolved into a new, more functional type of cover. Serious Illness cover has arrived. Continue reading
Posted Jul 21, 2010 at Oak Tree Mortgages Blog
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Does paying for your current account mean you will get a better mortgage? This article looks at the experience of a customer looking to take a 5 year fixed rate mortgage on Friday 28th May. Continue reading
Posted May 28, 2010 at Oak Tree Mortgages Blog
Calvin Oram is now following The Typepad Team
Mar 15, 2010
Calvin Oram is now following Mark Thoma
Dec 8, 2009
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Credit Scoring is a method used by mortgage lenders to help them assess risk. This article looks at how credit scoring works and why having too many credit checks can damage your credit rating. Continue reading
Posted Nov 23, 2009 at Oak Tree Mortgages Blog
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Stamp Duty Land Tax is normally another cost incurred by First Time Buyers. However, for a limited time only, it is possible to purchase a property without incurring this cost. Continue reading
Posted Oct 7, 2009 at Oak Tree Mortgages Blog
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The Coventry Building Society have announced a 90% mortgage for first time buyers who have been members of the building society for at least 3 years. This qualifying criteria now allows first time buyers whose parents or grandparents have been members of the society for at least 3 years. Continue reading
Posted Sep 28, 2009 at Oak Tree Mortgages Blog
Calvin Oram has shared their blog Oak Tree Mortgages Blog
Jun 29, 2009
Calvin Oram has shared their blog Oak Tree Mortgages Blog
Jun 29, 2009